Money & Salary
Popular
Compound Interest & Investment Growth Calculator
Simulate long-term wealth accumulation and compound growth with initial principal, recurring monthly contributions, and historical return rates.
How much will my savings or investments grow in 10, 20, or 30 years?How much of my final portfolio is interest vs money I contributed?What is the difference between saving in cash vs investing in index funds?
Instant in-browser · no uploads
Investment Plan
$
$
8% / yr
Conservative (4% HYSA) • Moderate (7-8% S&P 500) • Aggressive (10%+)
15 years
Total Future Balance (15 Years)
$121,038.15
You contributed $59,000.00 and earned +$62,038.15 in compound growth.
Principal: $59,000.00Growth: $62,038.15
Growth Milestone Timeline
Year 3$18,592.92+$2,792.92 interest
Year 6$35,859.16+$9,259.16 interest
Year 9$57,791.37+$20,391.37 interest
Year 12$85,650.48+$37,450.48 interest
Year 15$121,038.15+$62,038.15 interest
How this calculation works
Future value formula with monthly deposits compounding monthly at annualized rate r over t years.
Formula
A = P(1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]
Frequently asked questions
The historical long-term average return of the S&P 500 index before inflation is ~10% (or ~7% adjusted for inflation). High-yield savings accounts typically yield 4% to 5%.
Private by design
Calculations run entirely in your browser. Your financial data is never sent to a server.
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